Why do 4S stores want to get loans to buy cars?

The reason why 4S stores prefer car owners to buy cars with loans is because buying cars with loans can bring many indirect benefits to 4S stores. These benefits can bring a lot of extra income to 4S stores. Specifically, they are as follows: Kinds:

1. Handling fee for loan to buy a car

There is a handling fee to buy a car with a loan at a 4S store, and the handling fee is very high. These are a lot of money. It goes into the pocket of the 4S store, but if you buy the car in full, you won’t have this money. Therefore, the 4S store prefers that the car owner borrows money to buy the car! And once a car owner buys a car with a loan, the commission the salesperson will get is much higher than if the car was purchased outright. This is why many salespersons will advise customers to buy a car with a loan!

2. Full insurance for buying a car with a loan

In addition to charging fees for buying a car with a loan, the 4S store will also require customers to have full insurance. If they do not have full insurance, they will not be able to do so. For those who buy a car, this is actually a cooperation model between the 4S store and the insurance company. As long as the 4S store secures a full insurance business for the insurance company, the 4S store will also get a certain commission!

3. In-store maintenance when buying a car with a loan

Although it is not mandatory to perform maintenance in a 4S store, in most cases, in order to avoid unnecessary trouble, car owners buy a car with a loan. In the future, they will all choose to have their car maintained at a 4S store. This is actually a trick of the 4S store. They make a heavy payment before repaying the car loan. Most car owners who bought a car with a loan cannot escape the fate of being cheated.

In addition to the above three, there are actually many ways in which 4S stores can deceive users. In short, what you buy is not what you sell. Although buying a car with a loan relieves the pressure on the car owner, it is not cost-effective.

How to buy a car:

Buying a car with a loan has the advantages of buying a car with a loan, and buying a car with full payment has the advantages of buying a car with full payment. If you have enough money, buying a car with full payment can save you a lot of trouble and you don't have to worry about subsequent "consumption traps"; if you don't have that much money and want to leave some room for yourself to spend money in the future, Then it is feasible to buy a car with a loan, but you must study various agreements and contracts clearly, and do not spend more money in a haphazard manner.

If you don’t have enough money, but you really want to buy a car, you can get a loan from a bank, and then go to a 4S store to buy the car in full. It can save you a lot of trouble. You only need to pay it back to the bank in the future. This is the best way to get a loan to buy a car!

When buying a car, why would the salesperson recommend buying it with a loan?

When buying a car, the salesperson always asks the car owner to get a loan to buy the car, and also talks about some of the benefits of the loan, and also says that the loan will not bring a big financial burden to everyone. However, the editor suggests that everyone should not choose to buy a car with a loan. If you can buy a car with the full payment, it is best to buy the car with the full payment. These salespeople suggested that we buy a car with a loan because the price of buying a car with a loan may be higher, and there will be some interest, so the company will make more money.

1. Why is it not recommended that everyone buy a car with a loan?

Everyone knows that it is absolutely impossible for others to let us take out a loan without any interest. It may be interest-free in the first or second month, but then some interest will be required. If you take a loan to buy a car, you still need to pay back some money every month. If you have the ability to buy a car outright, then why should you take a loan to buy a car? It is also a very necessary thing, and buying a car with full payment is worry-free. If you buy a car with a loan, you will definitely have to pay more, so it is not necessary.

2. Why do salespeople recommend that you buy a car with a loan?

Because if you buy a car with a loan, the salesperson’s commission will be higher. These salespersons said, how is it possible to get a zero interest rate loan? It can be said that there are many routines in it. There are also some 4S stores that do not require a down payment and can drive the car away directly with zero down payment. But the editor wants to tell you that there is no such thing as a pie in the sky. Later, there was a high interest rate. So, what we have to bear There are so many things.

3. Summary.

If we need a car but don’t have a lot of money, then we can choose to get a loan to buy a car. But if you have enough money, then it is best to choose to buy the car in full instead of taking a loan.

The editor is a person who doesn't like trouble very much, and I don't like owing money to others, because I feel that there is always one thing in my heart that is very uneasy.

When buying a car in a 4S store, the salesperson always recommends buying a car with a loan. Why is this?

When buying a car in a 4S store, the salesperson always recommends buying a car with a loan. Why is this? There are several aspects that promote 4S store loans to buy cars. It increases customer stickiness. In the case of a car mortgage, to some extent, it is related to many of the issues that come later. It is maintenance, insurance, warehousing, etc. directly related to the operation of 4S stores. For 4S stores, this can limit the stickiness with customers through mortgage loans.

When you buy a car with a loan, you can sell the car quickly and lower the sales threshold for the car. In short, it doesn’t matter if you have money or not, or even if you don’t have enough money. You can lend your favorite car to others. Of course, as a 4S store, you can complete the sales tasks assigned by the manufacturer every month. Even if the 4S store does not charge interest, it will make more money by selling cars on loan, and is more willing to do so.

4S stores charge financial service fees for deposits, the so-called "loan management rights", which are generally 3% of the loan amount, which is nearly 4,200 yuan. Buying a car is not difficult for everyone these days. It's easy to buy a car without spending a lot of money. The key is that everyone can buy a car through a loan. For those with insufficient financial resources, they can only buy a car through a loan. However, we found that even if they can buy the car in full, they will convince you to get a loan at a 4S store and talk about the benefits of the car. Many people choose to borrow money to buy a car, thinking it is the cheapest option.

Some people say that 4S stores would rather not pay interest than recommend a loan to buy a car. This is definitely a bit suspicious. In fact, in the initial stage of developing car purchase loans, the installment payment link is too heavy, so traders will charge some additional fees, such as handling fees, license fees, file management fees, etc., although the approval procedures and the installment company's The cycle is complex, but profits have increased. 4S stores have realized that arranging rates for customers is really a bit sweet, and of course they have begun to recommend that competition in the automobile industry is becoming increasingly fierce. The days of rest and car sales are over.

The industrial price war has forced some weak players to be eliminated. In order to increase sales, automakers have begun to carry out various financial service activities, increase interest rates and savings interest rates, and try to attract people who want to buy cars with loans. You won’t spend more than someone who paid full price for the car. At the same time, cooperative banks have significantly simplified loan procedures and procedures. Currently, loans can be approved and loaned on the same day.

Why you should take out a loan to buy a car

1. Enjoy the resources first and seize the opportunity

The car purchase restrictions currently being gradually implemented in major cities in China have caused a lot of Controversy, the biggest point of controversy is the "exploitation of the right to buy a car." Starting from the legislative spirit of equality for everyone in the Constitution, why can those who buy a car first enjoy the car, but those who buy later cannot enjoy the car? This is obviously unfair. However, China is a country with a large population, and there are some things that cannot be helped. All items linked to resources will become more and more valuable. This is true for real estate, license plates, and degrees! Road resources are limited, but cars can grow indefinitely. Yes, for the position occupied by your car in 2014, two cars will compete with you for this position in 2016. The road conditions for driving in 2014 will never be as good as those for driving in 2010. People who buy early actually enjoy the car better, so buying a car early is indeed a cost-effective deal, and car loans allow you to The easiest way to enjoy road resources. Driving on the road in 2014, or stuck in traffic in 2016, the choice is yours.

For the same reason, even if you can already afford to buy a Toyota or a Volkswagen, when you use a loan to buy a Mercedes-Benz or BMW, it will help your business and be worth far more than your car. Loan interest rate: In 2013, you drove a Mercedes-Benz E-Class and won this customer. By 2015, everyone could afford a Mercedes-Benz E. You would have already changed to an S-Class and used other people’s savings to improve yourself. This is a car. The core value of lending.

Why can people not draw numbers? Because they made up their mind to use car loans to seize license plates earlier than you did.

2. Make money more valuable

1. Ignored inflation

According to data from the National Bureau of Statistics, the CPI for the whole year of 2013 increased by 2.6% over the previous year. But do you believe this official data? Anyway, I don’t believe it. I prefer to believe my true feelings: the annual price increase in the past two years has actually been between 8% and 10%. In other words, 100 yuan in 2014 may only be worth 90 yuan in 2015. Why not use money worth only 90 yuan in the future to pay this year's 100 yuan debt in installments?

Let’s do some math. If we invest 100,000 yuan in a new car, ignoring the depreciation of the new car, the original purchase price of 100,000 yuan will have depreciated to 84,000 yuan after two years (according to the one-year CPI increase 8% calculation), but if you buy a car with a loan, this part of the loss will be borne by the bank. Of course, the bank will charge a certain amount of interest, but you can also use Yu'ebao and bank financing to fight against it. If you encounter some Interest-free models are a sure profit, so it is very worthwhile to use money that will only be worth 84,000 yuan in the future to buy something worth 100,000 yuan today.

2. The neglected car depreciation

We all know that the depreciation rate of a new car is about 20% in one year. It is conceivable that if you spend 100,000 quick dollars to buy a car Above, after one year, you actually only have 80,000 yuan left. How can you bear to let 20,000 yuan of hard-earned money evaporate invisibly? The best way is to owe the bank first, and then use the funds to make money, so The following three benefits are produced.

3. Reasonable financial management when buying a car with a loan

The third benefit is mainly for some people whose annual income can be greater than or equal to 10%. Compared with real estate, cars do not have the potential to increase in value. If If consumers have enough funds to buy a car in full, it is better to save the funds for other investments through loans.

Case: Loan a family car of about 150,000 yuan, and you have enough money, but you can borrow 120,000 yuan from the bank to buy the car through a loan, with a term of 5 years. Calculated based on the current monthly interest rate of 5.025‰, the loan principal needs to be paid to the bank every month at 2,538.50 yuan, and the average monthly interest payment is 306.526 yuan. The interest required to be paid to the bank in 5 years is 18,391.56 yuan, and the average annual interest payment is 3,678.31 yuan. If the saved 120,000 yuan is invested in industry and commerce, only a monthly return rate of 1% will be achieved, and the annual income will be more than 14,400 yuan. If you invest in the secondary stock market, just a daily limit is 10% return. Don't say you don't trade in stocks. With the current price growth rate, if you don't get some 10% return projects, you simply can't keep up with the pace of rising prices. So I believe you will work hard to find projects with an income of more than 10%.

The first choice for car purchase loans is zero interest rate. In the era when Yu'e Bao was popular, it was a sure-profit business.

4. Car loans are the lowest-cost and most convenient way to obtain funds

Friends who have experience in business and investment know that it is actually very easy as long as you have funds. Compound interest can yield high returns, so people are beginning to think of ways to raise funds or financing, and the central bank will tighten monetary policy. If you ask around, you will know that the interest rates on commercial loans are very high. So there are only the following ways to solve the financial problem:

1. Borrow money from relatives and friends

This method is a double-edged sword. If you can borrow it and can afford it, it will naturally be good for you and me. , but what if I can’t borrow it? Can't afford it?

2. Private lending

Currently, the monthly interest rate on the market is 2-5 cents (usually with collateral, if there is no collateral, it will cost more than 5 cents) and the interest rate is " If you borrow 100,000 yuan and the monthly interest is 5 cents, then borrowing for 3 months is 15,000 yuan, and then "loan the money" will directly give you 85,000 yuan.

3. Mortgage Loans (Personal)

Personal mortgage loans are generally mortgaged with real estate: Generally, the customer’s real estate is loaned. When buying a house, the house is mortgaged to the bank. If at this time It is impossible to make a mortgage again; in addition, the transfer of ownership by major housing authorities usually takes 1-2 weeks; the most time-consuming is waiting for the bank credit issue. Generally speaking, the total time is 1 month, which is considered short, and 2 months is normal.

4. Mortgage loan (company) enterprise loan

General enterprise loans require collateral or pledge.

Compared with personal mortgage loans:

①The loan subject is an enterprise, and the risk is higher than that of an individual, so the threshold is higher;

②Small, medium and micro enterprises are not qualified for loans at all;

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③ Generally, the minimum loan amount is 3 million;

④ The entire process takes a minimum of 3 months. If you can get a loan in 6 months, you are very lucky.

5. Credit loans are based directly on personal credit rating loans

The credit card interest rate is 0.05% per day. If you only repay the minimum repayment amount, it is equivalent to a monthly interest of 1.5% (10,000%). 5/30=1.5%), with an annual interest rate of 18%.

Why do 4S stores tend to offer loans when buying a car now?

With the development of the times, cars have become an essential means of transportation for every household. With the improvement of the transportation system, people have more and more means of transportation. There are many car brands and types, and the corresponding prices also have their own advantages. Different people buy different cars, with different car prices and different brand requirements. Buying a car with a loan has become a common method among modern families.

When going to a 4S store to buy a car, car owners often ask for a calculation of the car price. At this time, the 4S store salesperson will ask the car owner for a loan to buy a car, because there are various benefits to buying a car with a loan. Under the premise that the car owner purchases a car with a loan, the profit earned by the 4S store will be much higher than that of purchasing the car with full payment. For example, if you buy a car with a total price of RMB 200,000, the profit earned by the 4S store may only be 4~5% of the total price of the car. If you buy a car with a loan, you need to pay 30% of the down payment. At this time, the 4S store The store can charge a service fee of 3% of the price, which is also collected by the 4S store. Then the profit earned from this service fee is as high as more than 3,000 yuan. The larger the loan amount, the higher the service fee earned.

Loans also need to involve banking business. The bank's main income comes from the interest paid on loans to its customers' reception rooms. If the 4S store introduces the customer to the bank, it can get a certain rebate, which is about 3% of the total loan amount. This also brings another profit to the 4S store.

There is also another partner, which is the insurance company. The commission earned from the insurance can also be as high as 45% of the total insurance amount. If an insurance is 10,000 yuan, then the 4S store will receive a commission of more than 4,000 yuan. Compared with the benefits brought by the full loan, the benefits brought by these three institutions are undoubtedly huge. Therefore, for 4S stores, why not strive for the profits that can be achieved? Based on the above reasons, 4S stores will choose to ask customers to borrow money to buy cars.

That’s it for the introduction of why you need a loan to buy a car.